Bank Branches › Closed and merged banks › Pennsylvania › Main Street Bank
What happened to Main Street Bank?
Main Street Bank in Reading, PA (earlier called Berks County Bank) merged into Sovereign Bank of Wilmington, DE on Mar 8, 2002. That bank is now called Santander Bank, N.A. (Wilmington, DE).
The chain, step by step
From the day it opened to the bank at the end of the chain today. Each step is one entry in the FDIC's record.
- 1987Berks County Bank opens in Reading, PA
- Jan 1, 1999renamed Main Street Bank
- Mar 8, 2002MERGEDMain Street Bank merged into Sovereign Bank of Wilmington, DE.FDIC certificate 27104 ends; its business continues under certificate 29950.
- TodayOPEN
Santander Bank, N.A.Main office Wilmington, DE · FDIC certificate 29950 · 368 offices in 9 states on June 30, 2026Every Santander Bank, N.A. office → Website on file with the FDIC: www.santander.com
If you still have something from Main Street Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Main Street Bank as lienholder, start with Santander Bank, N.A.. In a merger the surviving bank takes over the other bank's loans, so it is the bank to ask for a recordable lien release; if the loan was sold along the way, it can tell you to whom.
The FDIC says it cannot process lien releases for banks that merged or were acquired without government assistance, which is what the record shows here.
Record the release with the same county office that recorded the original mortgage or deed of trust.
An old account, passbook or CD
Ask Santander Bank, N.A. to search for the account under the name Main Street Bank. A passbook or certificate shows an account existed. It doesn't show the money is still there, and the OCC notes that federal rules require banks to keep most account records for five years.
Accounts nobody touches are eventually turned over to a state. The OCC puts the usual wait at three to five years with no activity, set by each state's law. Search the unclaimed-property program of the state of the owner's last known address on the bank's records, and any other state they lived in. It is free to search and to claim through a state's own site, and MissingMoney.com, an official site of the state administrators' association, searches most states at once.
A safe deposit box
Ask Santander Bank, N.A. which branch now holds boxes from the Main Street Bank office you used. The OCC says a box with no activity for three to five years (the period is set by state statute) is likely treated as dormant, and its contents may be turned over to the state's unclaimed-property program.
Box contents are not covered by FDIC insurance.
Not sure this is your bank?
Many banks shared a name. Match the city and the years above against your paperwork, or search again with the town.
Credit unions were never FDIC-insured and are not in this record; the NCUA credit union lookup covers those. Banks that closed before about 1970 are not in the FDIC's list either.
One caution: banks also sell single branches. If the office you used was sold to a different bank along the way, the account went with the branch, not with this chain. The office list below shows which bank each office reports under now.
This page is drawn from FDIC records and federal guidance. It is not legal advice, and BankBranches is not a bank or a government office. More detail: lien releases · old passbooks and CDs · safe deposit boxes · unclaimed money.
Where the guidance comes from ▾
Its offices in the FDIC deposit reports
45 offices filed under this charter in some year from 1994 on. 9 are still open as of June 30, 2026. Showing 40.
| Office | Now |
|---|---|
| 2220 State Hill RdWyomissing, PA | OpenSantander Bank, N.A. |
| 601 Penn StReading, PA | OpenSantander Bank, N.A. |
| 24 E Main St, # 28Schuylkill Haven, PA | OpenSantander Bank, N.A. |
| 4900 Perkiomen AveReading, PA | OpenSantander Bank, N.A. |
| 12 Parkside AveReading, PA | OpenSantander Bank, N.A. |
| 742 E Philadelphia AveBoyertown, PA | OpenSantander Bank, N.A. |
| 1565 E High StPottstown, PA | OpenSantander Bank, N.A. |
| 1701 Chew StAllentown, PA | OpenCommunity Bank, National Association |
| 1430 Jacobsburg RdWind Gap, PA | OpenCNB Bank |
| 100 Progress DriveDoylestown, PA | No longer reported |
| 39 Bridge StreetLambertville, NJ | No longer reported |
| 318 East Penn AvenueRobesonia, PA | No longer reported |
| 3900 Hamilton BoulevardAllentown, PA | No longer reported |
| 200 Tunnel StreetWilliamstown, PA | No longer reported |
| 120 South Centre StreetPottsville, PA | No longer reported |
| 333 Liberty StreetsOrwigsburg, PA | No longer reported |
| 408 East Broad StTamaqua, PA | No longer reported |
| 29 East Pottsville StreetPine Grove, PA | No longer reported |
| 2-4 North Main StreetShenandoah, PA | No longer reported |
| 757 Route 183 SouthSchuylkill Haven, PA | No longer reported |
| 247 Sunbury StreetMinersville, PA | No longer reported |
| 2092 West Penn PikeNew Ringgold, PA | No longer reported |
| 15 Maplewood DriveDouglassville, PA | No longer reported |
| 4001 Perkiomen AvenueReading, PA | No longer reported |
| 500 Hawkridge DriveHamburg, PA | No longer reported |
| 2493 Bernville RoadReading, PA | No longer reported |
| 4453 Fifth Street HighwayTemple, PA | No longer reported |
| 555 Penn AvenueWest Reading, PA | No longer reported |
| 1504 South Fourth StreetAllentown, PA | No longer reported |
| 235 Main StreetEmmaus, PA | No longer reported |
| 50 W Market StWest Chester, PA | No longer reported |
| 313 W Cypress StKennett Square, PA | No longer reported |
| 144 Lancaster AvenueDevon, PA | No longer reported |
| 102 Pennsylvania AvenueAvondale, PA | No longer reported |
| 100 Exton CommonsExton, PA | No longer reported |
| 124 Main StreetPhoenixville, PA | No longer reported |
| 3719 East Lincoln HighwayThorndale, PA | No longer reported |
| 225 West Lancaster AvenueArdmore, PA | No longer reported |
| 65 North York RoadWillow Grove, PA | No longer reported |
| Route 54 and Township Road T 870Hometown, PA | No longer reported |
Banks folded into Main Street Bank
1 bank merged directly into this charter; counting the banks those had absorbed earlier, 3 charters end up inside it.
| Bank | Ended |
|---|---|
| Heritage National BankPottsville, PA | Jan 1, 1999 |
Source: FDIC BankFind institution and history records, read Nov 15, 2026. The FDIC's list covers banks that ended in about 1970 or later. Look up certificate 27104 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.